The loan funds for installment music are provided by regular licensed financial institutions, so the loan application records, lending records and repayment records will be reported to the credit bureau. Regular licensed financial institutions are generally banks, consumer finance companies and microfinance companies, and their lending scope covers the whole country. These financial institutions have completed the docking with credit reporting, so as long as they are loans from formal financial institutions, they will submit relevant records to credit reporting. The installment credit itself will not affect the personal credit of users, and users can also accumulate good credit records when they repay on time. If a user's credit information has a good credit record, then he can become a good credit user. Good credit investigation is helpful for handling credit business in the future and can increase the probability of passing the audit.